How to Say Deductible in Cantonese: A Complete Guide

If you find yourself navigating the complex world of insurance and need to discuss deductibles in Cantonese, you’ve come to the right place. In this guide, we’ll cover the formal and informal ways to say “deductible” in Cantonese. We’ll also provide tips, examples, and regional variations where necessary. So, let’s dive in!

Formal Ways to Say Deductible in Cantonese

When it comes to formal language, Cantonese offers a few options to express the concept of a “deductible.” Here are some commonly used terms:

  • 自付額 (zi6 fu6 ngaak1): This term is widely used and understood in formal contexts. It directly translates to “self-payment amount,” encapsulating the idea of the insured person paying a portion of the expenses before the insurance coverage takes effect.
  • 保險免賠額 (bou2 him2 min5 pui4 ngaak1): This phrase is more commonly used in contract language or legal discussions. It refers to the “insurance deductible” and indicates the amount that the insured party must pay before the insurance company assumes liability.

Informal Ways to Say Deductible in Cantonese

Informal language can be quite different from formal language, so here are a couple of informal terms you may come across in Cantonese:

  • 過賬 (gwo3 zong3): This term is more colloquial and can be used to refer to the concept of a deductible. It literally means “to record an account” and reflects the idea of accounting for the amount the insured person must pay before the insurance coverage commences.
  • 付出 (fu6 ceot1): While this term typically translates to “to pay,” it can also be used informally to discuss deductibles in Cantonese. In this context, it conveys the notion of money being paid out by the insured individual before the insurance coverage begins.

Regional Variations

Cantonese is spoken in various regions, each with its unique colloquialisms. While the terms mentioned above are widely understood in most areas, minor regional variations may exist. Here are a few examples:

Hong Kong

In Hong Kong, instead of using “自付額 (zi6 fu6 ngaak1)” as the formal way to say deductible, some people might use the phrase “例數 (lai6 sou3)” to refer to the amount that needs to be paid by the insured person.


In Guangzhou, the term “自付款 (zi6 fu6 fun2)” is an alternate formal way to express the deductible. It functions similarly to the term “自付額 (zi6 fu6 ngaak1)” discussed earlier.

Tips and Examples

To help you further understand the usage of these terms, let’s take a look at some practical examples:

Example 1:

English: What is the deductible for this insurance policy?
Cantonese: 呢份保險個自付額係幾多?(Ni1 fan6 bou2 him2 go3 zi6 fu6 ngaak1 hai6 gei2 do1?)

Example 2:

English: You’ll need to pay the deductible before the insurance coverage starts.
Cantonese: 保險生效之前你要先支付自付額。(Bou2 him2 sang1 haau6 zi1 cin4 nei5 jiu3 cin1 fai3 zi1 fu6 ngaak1.)

Example 3:

English: How much is the deductible for car insurance in Hong Kong?
Cantonese: 喺香港汽車保險個例數有幾多?(Hai2 hoeng1 gong2 hei3 ce1 bou2 him2 go3 lai6 sou3 jau5 gei2 do1?)

Pro Tip: When discussing deductibles in Cantonese, it’s important to be aware of the context and formality level. Choosing the appropriate term based on the situation will ensure effective communication.

Now that you have a solid understanding of how to say “deductible” in Cantonese, you can confidently navigate insurance-related conversations in this language. Remember to always consider the regional variations when communicating with speakers from different areas. Happy learning!

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